3058 Victoria Inlet Dr, Holiday, FL 34691
3 beds · 3 baths · 1,440 sqft
Under contract-accepting backup offers. Welcome to your potential new home in Holiday, Florida! HIGH & DRY! NON FLOOD ZONE. This brand-new townhouse, completed in 2023, offers a perfect blend of modern comfort and convenient living. As you step inside, you'll be greeted by an open concept design that seamlessly connects the living spaces, creating an inviting atmosphere for both relaxation and entertaining. The heart of this home is the stylish kitchen, featuring solid surface counters, sleek black cabinetry, and a central island. It's the ideal spot for whipping up culinary delights or enjoying casual meals with loved ones. Upstairs, you'll find three well-appointed bedrooms, including a primary bedroom that boasts dual sinks in the ensuite bathroom and a generous walk-in closet. No more early morning elbow jostling at the sink or playing closet Tetris with your wardrobe! Convenience is key in this thoughtfully designed townhouse. The second-floor laundry room means no more lugging baskets up and down stairs, and the covered patio provides a delightful outdoor retreat for sipping your morning coffee or enjoying evening gatherings. Located in a quiet neighborhood with sidewalk-lined streets, this home offers a peaceful setting while still being close to local amenities. The one-car garage provides secure parking and additional storage space. Whether you're a first-time homebuyer, downsizing, or simply seeking a low-maintenance lifestyle, this charming townhouse could be your perfect match. Don't miss the opportunity to make this lovely property your new home sweet home!
Source: STELLAR #tb8304873
Source: STELLAR #tb8304873
Assuming a mortgage can seem complex and unfamiliar. We simplify the process by providing white-glove support and expertise at every step.
Whether you have an agent or you’re just starting your search, reach out to us and we’ll help set up a home tour.
Roam works with you, your agent, and the listing agent to prepare a mortgage assumption agreement and finalize all details.
Roam coordinates all parts of the transaction and keeps all parties up to date to provide a seamless 45-day close.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
What is Roam?
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
What is an assumable mortgage?
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
Why is an assumable mortgage valuable?
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
How can you find assumable mortgage listings?
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Get Notified” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
How do I qualify for an assumable mortgage?
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
MLS ID: #tb8304873
Roam is committed to and abides by the Fair Housing Act of Equal Opportunity Act.